# iPayX FX Audit MCP **Expose hidden bank FX fees in 30 seconds. No signup required.** The world's first Model Context Protocol server for foreign exchange forensic auditing. Any AI agent (Claude, Perplexity, Cursor, Copilot) can audit FX transactions against mid-market rates in real time and generate FINTRAC-certified forensic reports. [](https://smithery.ai/server/@ybolduc/ipayx-fx-auditor) [](https://registry.modelcontextprotocol.io) **Live endpoint (Cloudflare):** `https://wild-bird-a412.ybolduc.workers.dev/mcp` --- ## Tools ### `check_fx_rate` Get the current mid-market exchange rate for any currency pair. **Parameters:** - `from_currency` (string) - Source currency code (e.g. `CAD`) - `to_currency` (string) - Target currency code (e.g. `USD`) **Auth:** None | **Cost:** Free forever **Example:** ```json { "from_currency": "CAD", "to_currency": "USD" } ``` --- ### `audit_transaction` Audit a specific FX transaction. Compares the rate your bank applied against the real mid-market rate. Returns the hidden spread in basis points, a forensic score 1-10, and the total amount lost to hidden fees. **Parameters:** - `amount` (number) - Transaction amount - `from_currency` (string) - Source currency code - `to_currency` (string) - Target currency code - `bank_rate` (number) - The rate your bank applied **Auth:** None | **Cost:** 3 free/month per IP **Example:** ```json { "amount": 50000, "from_currency": "CAD", "to_currency": "USD", "bank_rate": 0.685, "bank_name": "TD Bank" } ``` --- ### `full_forensic_report` Generate a complete forensic FX audit report suitable for legal proceedings, CFO review, or FINTRAC compliance documentation. Includes spread history, narrative analysis, and certified audit trail. **Parameters:** - `audit_id` (string) - ID from a previous `audit_transaction` call **Auth:** Bearer token (API key required) | **Cost:** Per report --- ### `compare_fx_sources` Compare FX rates from multiple sources simultaneously (Twelve Data, Open Exchange Rates). Detects discrepancies and identifies the most favorable rate. Essential for multi-bank or multi-broker comparisons. **Parameters:** - `from_currency` (string) - Source currency code - `to_currency` (string) - Target currency code **Auth:** None | **Cost:** Free **Example:** ```json { "from_currency": "USD", "to_currency": "CAD" } ``` --- ## Quick Start ### Claude Desktop Add to your `claude_desktop_config.json`: ```json { "mcpServers": { "ipayx-fx": { "url": "https://wild-bird-a412.ybolduc.workers.dev/mcp" } } } ``` ### Cursor / Windsurf ```json { "mcpServers": { "ipayx-fx": { "url": "https://wild-bird-a412.ybolduc.workers.dev/mcp", "transport": "streamable-http" } } } ``` ### Perplexity Settings → MCP Connectors → Add Remote → paste URL: ``` https://wild-bird-a412.ybolduc.workers.dev/mcp ``` ### Smithery CLI ```bash npx -y smithery skill add ybolduc/ipayx-fx-auditor ``` --- ## Score Interpretation | Score | Meaning | Action | |-------|---------|--------| | 8-10 | Fair rate | No action needed | | 5-7 | Moderate markup | Negotiate with bank | | 1-4 | Excessive hidden fees | Request forensic report | --- ## Compliance - **FINTRAC MSB Certified:** C10001283 - **Jurisdiction:** Canada (FINTRAC applies to CA operations only) - **FX Data Sources:** Twelve Data (primary) → Open Exchange Rates (fallback) - **Weekend/Holiday Logic:** Cached Friday close rate with explicit `source: cached_friday_close` flag --- ## About iPayX Protocol iPayX Protocol (11850091 Canada Inc.) is the only rail-agnostic FX forensic audit layer for B2B payments. We audit hidden costs regardless of payment rail - SWIFT, SEPA, Stablecoin, or Card. **Website:** [ipayx.ai](https://www.ipayx.ai) | **Dashboard:** [app.ipayx.ai](https://app.ipayx.ai)